Workers' Comp for Roofing Contractors in Florida
Roofing is one of the highest-risk classifications in Florida. Standard carriers say no — we say yes. Same-day COI, PEO-backed rates, and coverage for new companies and high-mod accounts.
Get My Roofing QuoteWhy Roofing Workers' Comp Is Hard to Get in Florida
Roofing is classified under NCCI code 5551 — one of the highest-rated workers' compensation classifications in the country. Florida's year-round roofing season, combined with extreme heat, frequent rain, and hurricane repair work, makes roofing one of the most challenging industries to insure.
Standard insurance carriers routinely decline roofing contractors, especially those with: a high experience modification rate (EMR), recent claims history, new businesses with no loss history, or specialty work like tile, metal, or flat roofing on commercial properties.
The result? Many Florida roofing contractors are forced to operate without coverage — exposing themselves to stop-work orders, massive fines, and personal liability for injured workers.
Comp Ninjas specializes in exactly this situation. Our PEO structure gives us access to group insurance pools that accept roofing contractors the open market rejects. We've helped hundreds of Florida roofers get covered — fast.
The Comp Ninjas Advantage for Florida Roofers
High-Risk Specialists
We accept roofing contractors that standard carriers decline — including high-EMR accounts, new businesses, and specialty roofing trades. If you have employees, we have coverage.
Same-Day COI
Need a certificate of insurance to start a roofing job today? We issue your COI the same business day. Email it to your GC, client, or property owner instantly.
PEO Group Rates
Our PEO structure gives you access to group insurance rates typically 20–40% lower than what you'd pay on the open market — even for high-risk roofing classifications.
Pay-As-You-Go
No large upfront deposit. Your premium is calculated on actual payroll each period. Perfect for roofing contractors with seasonal or variable crew sizes.
All Roofing Classifications Covered in Florida
Florida Roofing Workers' Comp Questions
Why is workers comp so expensive for roofers in Florida?
Roofing carries one of the highest NCCI classification codes (5551) due to the extreme fall risk. Florida's weather also extends the roofing season year-round, increasing exposure. Through our PEO structure, we access group rates that significantly reduce the cost compared to individual market policies.
Can a roofing company get workers comp with a high experience mod?
Yes. Standard carriers often decline roofing companies with experience modification rates (EMR) above 1.0. Our PEO carrier relationships allow us to cover high-mod accounts that the open market rejects. We've helped roofers with EMRs of 1.5+ get covered.
Do roofing subcontractors need their own workers comp in Florida?
Yes. Every subcontractor on a roofing job must carry their own workers' compensation policy. If a sub is uninsured and gets injured, the general contractor or roofing company becomes liable. Our PEO program can cover both the GC and all subs under one streamlined structure.
How do I get a same-day COI for a roofing job in Florida?
Complete our 2-minute quote form, get approved, and we issue your Certificate of Insurance the same business day. We can email it directly to your client, general contractor, or property owner — so you never lose a job waiting for paperwork.
What is the roofing workers comp rate in Florida?
Florida roofing workers comp rates (NCCI code 5551) are among the highest in the state, often ranging from $15–$30 per $100 of payroll depending on your experience. Our PEO group rates are typically 20–40% lower than what you'd pay on the open market.
Can a new roofing company with no prior coverage get workers comp?
Absolutely. We specialize in new businesses and contractors with no prior coverage history. Our PEO program doesn't require years of loss history to get approved — we can get most new roofing companies covered within 24 hours.
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